FHA loan limits and USDA eligibility for ZIP 12023 — Berne, NY

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

See figures for this ZIP
Couple reviewing home loan options for their ZIP code

USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

View map

USDA income limits

Albany County

1–4 person household income limit

$141,600

5–8 person household income limit

$186,950

  • Albany County (Primary): $141,600 / $186,950
  • Schoharie County: $141,600 / $186,950

View map

2026 FHA loan limits

Albany County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Schoharie County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

View map

FAQ for ZIP 12023

Learn More